by: Megan Olson, President & CEO, ICBSD I recently had the honor of meeting the legendary Dan Gable, a figure revered in the world of college wrestling as one of the greatest of all time. Gable boasts an impressive resume, including two NCAA Division I national championships, a world gold medal, and an Olympic gold […]

It’s time for the Next Generation of Community Bankers to Carry the Torch

by: Josh Hogue, Chairman of ICBSD, President, Reliabank Dakota 2024 is in full swing, and the pulse of our community banking landscape should be top of mind. As we navigate the ever-evolving community banking landscape, it is imperative that we recognize the vital role the team members within our banks play in our industry’s collective […]

Champions of Community: The Behl Family’s Enduring Legacy in Scotland, SD

Nestled 28 miles northwest of Yankton, South Dakota, lies the close-knit town of Scotland, a community with an impressive track record. With a population of around 900, Scotland boasts a thriving K-12 school, meticulously maintained parks and recreational spaces, a bustling Main Street teeming with local businesses, a local hospital, and the distinction of being […]


by: BHG Financial, an ICBSD Preferred Partner In the world of financial lending, institutions need to have multiple checks and balances in place to protect their assets, their customers, and the future of their organization. Sadly, some individuals try to use our fair nature against us for deceptive gain. Efforts to obtain funding through fraudulent […]


by: Tiffany M. Miller, Davenport Evans, an ICBSD Preferred Partner If you purchased something online this holiday season, you were likely given multiple payment options at checkout, including an option to “buy now, pay later (BNPL)”. A BNPL loan allows borrowers to defer payment on purchased items. Borrowers pay little to nothing at checkout but […]

Navigating the Potential Impact of Recent Regulatory Guidance

by: Gale Simons-Poole, Chief Regulatory Relations Officer, BHG Financial, an ICBSD Preferred Partner Banks are facing unprecedented risk management challenges amid rapid technological and competitive changes. Federal and state authorities have recently issued guidance to address paradigm-altering shifts such as climate change, artificial intelligence (A.I.), cryptocurrency, digital and mobile banking, credit models, data security, and more. [...]

Tips for Avoiding Lending Limit Violations in Loan Purchase Programs and Participation Agreements

Tips for Avoiding Lending Limit Violations in Loan Purchase Programs and Participation Agreements       by: Charles D. Gullickson and Keith A. Gauer, Davenport Evans Law Firm, an ICBSD Preferred Partner Many South Dakota banks seek to diversify their loan portfolios to include commercial or real estate loans originated in other markets. Because South [...]

Meeting Expectations with Technology and Security

Meeting Expectations with Technology and Security Meeting Expectations with Technology, Security Mary Williams, Executive Vice President, Chief Operations Officer and Operations Team The expectation of today’s banking customer is not just account access 24-7, the expectation is instantaneous transactions. And no one knows this better than Mary Williams, Executive Vice President and Chief Operations Officer [...]

On the Move With Father and Son

On the Move With Father and Son Josh Hogue, Chairman of ICBSD, President at Reliabank Dakota Rick Hogue, Executive Vice President, First Fidelity Bank in Burke   Long before giving much thought to a banking career, Josh Hogue was laser-focused on track and basketball. Today, he continues to bring teamwork to the job - ICBSD [...]

Buy Local

Buy Local by: Larry Williams, President & CEO, Community Bankers Webinar Network, an ICBSD Preferred Partner “Buy local” is getting a lot of attention these days. And it should! Our main street businesses, vendors, and tradespeople endured some serious challenges through the pandemic, including labor shortages, higher costs, and supply-chain issues– often without any safety [...]